RD Virtual Card
RD Virtual Card

How are deposit fees calculated?

Direct answer

Tiered: 30–500 USDT at 2%, 500–1000 at 1.5%, above 1000 at 1%. The deposit page shows the fee and credited amount in real time. No hidden fees.

Last updated: 2026-07-11 · RDVCC Payments Research

The fee table itself can be summed up in a single sentence — what actually needs working out are two things: for every amount you transfer out, how much really lands in your balance; and at the tier boundaries, whether topping up more or less is the better deal. Remember one point first: the fee is deducted from the deposit amount, not charged on top of your transfer amount.

Amount credited = deposit amount x (1 - tier fee rate)

The moment you enter an amount on the deposit page, the fee and the actual amount credited are calculated and displayed in real time — everything is clear before you confirm. Take the lowest tier as an example: deposit 30 USDT, deduct 0.60 at 2%, and 29.40 is credited to your balance. 30 USDT is also the minimum first-time deposit amount, and at the same time the starting point of the fee table. There is no second fee stacked on top of the whole process.

The three tiered rates apply to the entire amount, not progressively by segment

The tier is determined by the deposit amount of this single transaction: whichever tier it falls into, the whole amount is charged at that tier's single rate — it is not sliced into segments and billed separately. The table below gives one worked example per tier; the larger the amount, the lower the rate.

Deposit range (USDT)Fee rateSample depositFee (USDT)Amount credited (USDT)
30–5002%4509.00441.00
30–5002%3006.00294.00
500–10001.5%80012.00788.00
Above 10001%200020.001980.00

At the 500 and 1000 boundaries, nudging up a little actually saves more

Because the fee is charged on the entire amount and the higher tier has a lower rate, the absolute fee drops when you cross a boundary — put in a little more principal and you not only get more credited, but even pay less in fees. Take the 500 boundary as a comparison:

OptionFee rateFee (USDT)Amount credited (USDT)
Deposit 480 USDT2%9.60470.40
Deposit 520 USDT1.5%7.80512.20

Putting in 40 USDT more principal, you actually pay 1.80 USDT less in fees, and 41.80 USDT more lands in your balance. The 1000 boundary works the same way. When you land exactly on the 500 or 1000 whole-number boundary, the rate and credited amount shown in real time on the deposit page are authoritative. Of course, do not top up more than you need just to save this bit of fee — your platform balance is only used for opening cards and topping up cards.

The deposit step has only this one platform fee; the on-chain network fee does not go to the platform

The deposit fee is the only platform charge at the deposit step — there is no second rate, no hidden items. The difference between the two deposit methods lies in the on-chain fee: going through an on-chain USDT transfer (TRC20) incurs a blockchain network fee (miner fee), which is charged on-chain and does not go to the platform; using Crypto Payment deducts from your checkout balance, arrives instantly, and even saves this on-chain fee. Opening cards and topping up cards are separate steps, and their respective fees are shown individually on the corresponding pages.

One rule of thumb to check: the amount actually credited always equals the deposit amount x (1 - tier fee rate), and this figure is displayed clearly on the deposit page before you confirm. If it matches, deposit; if it does not, hold off and open a support ticket with your order number to verify — the fee structure has no hidden doors, and the only variable is which tier you fall into.